The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,679
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$653/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,338/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,005
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,622
−HK$626/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$784/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,975
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,346
−HK$751/mo
Today · 4.125%
HK$29,097
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,194/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,851
−HK$914/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,638
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$877/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$35,736
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,894/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,379
−HK$1,177/mo
Today · 4.125%
HK$39,556
baseline
▲ 0.50% · 4.625%
HK$41,963
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,112/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,409
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,519
−HK$1,127/mo
Today · 4.125%
HK$43,646
baseline
▲ 0.50% · 4.625%
HK$45,946
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,292/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,856 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).